Commercial Real Estate Underwriting Associate at Wells Fargo

Bengaluru, karnataka, India -

Full Time

Start Date

Immediate

Expiry Date

27 May, 26

Salary

0.0

Posted On

26 Feb, 26

Experience

0 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Credit Research, Underwriting, Financial Analysis, Cash Flow Analysis, Valuation, Excel, Communication, Business Writing, Market Research, Risk Rating, Loan Documents Review, Collateral Evaluation, Lease Review, SLA Management, Process Improvement

Industry

Financial Services

Description

About this role: Wells Fargo is seeking a Commercial Real Estate Underwriting Associate In this role, you will: Participate in credit research and investigation of existing and prospective clients and counterparties under the direction of more experienced individuals within Commercial Real Estate Underwriting functional area Review basic issues, policies, or procedures for which answers can be quickly obtained, and are related to low to medium risk tasks and deliverables Receive direction from supervisor and exercise independent judgment while developing understanding of function, policies, procedures, and compliance requirements Collaborate and consult with Commercial Real Estate Underwriting managers, functional colleagues, and stakeholders, including internal as well as external customers Required Qualifications: 6+ months of Commercial Real Estate Underwriting experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education Desired Qualifications: Ability to read, comprehend and synthesize data regarding property performance / market related information from multiple sources into one prescribed template. Knowledge of mortgages, real estate market, and financial lending. Sound understanding of commercial credit analysis techniques including cash flow analysis, financial concepts and valuation of collateral. Good knowledge with excel skills. Excellent communication skills, with good comprehension and business writing skills. Analytical bent of mind and ability to draw pattern from discrete set of data. Master Degree in Accounting, Finance, Economics Any professional Finance/Accounting/Economics certification would be a plus Job Expectations: Ensure that all the sub-process SLAs are met Responsible for evaluating financial performance of borrower / guarantor based on a variety of factors and determining an appropriate risk rating, both qualitative and quantitative. This would include review of financial statements and compare it against CRE guidelines. Analyzing historical cash flows and developing proforma based on historical performance of the property and relevant market data. Evaluate existing leases within the property to determine possible impact on cash flows by reviewing for pertinent clauses, such as termination options / go dark. Review loan documents and summarize salient facts of the loan and ongoing covenants (both financial and non-financial) to be maintained by the borrower. Perform market research of real estate using various third party applications and compare performance of subject property against market data to draw conclusion of overall performance. Review third party documents, such as appraisal, site inspection report, property condition assessment report to infer overall performance of the property and identify significant factors which may impact asset. Document and synthesize all of the findings based on above mentioned reviews. Quality check of work performed by junior team members and provide appropriate feedback on the same. Understand the feedback received from the onshore team members and disseminate the same to the team. Provide training to the team members and educate them on different scenarios. Effectively communicate with Underwriters and Asset Managers and make sure to deliver the desired output. Participate in reviewing and issuing applications under the direction of a more experienced underwriter and identify opportunities for process improvements within scope of responsibilities or Commercial Real Estate Underwriting functional area Present recommendations for resolving more complex situations and exercise independent judgement while developing expertise in the function, policies, procedures, and compliance requirements Collaborate and consult with Commercial Real Estate Underwriting colleagues, internal partners, and stakeholders, including internal and external customers Ensure that all the procedure manuals, process maps are up to date Work Tracking and Equitable Assignment Develop understanding of the business beyond task / process-based knowledge Share Best Practices with team. Proactive idea generation in automation / efficiency opportunities Contribute towards Hard Dollar Save projects / Risk Reduction project, efficiency project Overlook the training process. Conduct functional trainings for TMs. Study various application enhancements and promote culture of adoption within the team Promptly answer all queries / questions from onshore. Actively participate in all Team Meetings / Huddles Participate in all applicable Org/Function level town halls Posting End Date: 4 Mar 2026 *Job posting may come down early due to volume of applicants. We Value Equal Opportunity Wells Fargo is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other legally protected characteristic. Employees support our focus on building strong customer relationships balanced with a strong risk mitigating and compliance-driven culture which firmly establishes those disciplines as critical to the success of our customers and company. They are accountable for execution of all applicable risk programs (Credit, Market, Financial Crimes, Operational, Regulatory Compliance), which includes effectively following and adhering to applicable Wells Fargo policies and procedures, appropriately fulfilling risk and compliance obligations, timely and effective escalation and remediation of issues, and making sound risk decisions. There is emphasis on proactive monitoring, governance, risk identification and escalation, as well as making sound risk decisions commensurate with the business unit’s risk appetite and all risk and compliance program requirements. Candidates applying to job openings posted in Canada: Applications for employment are encouraged from all qualified candidates, including women, persons with disabilities, aboriginal peoples and visible minorities. Accommodation for applicants with disabilities is available upon request in connection with the recruitment process. Applicants with Disabilities To request a medical accommodation during the application or interview process, visit Disability Inclusion at Wells Fargo. Drug and Alcohol Policy Wells Fargo maintains a drug free workplace. Please see our Drug and Alcohol Policy to learn more. Wells Fargo Recruitment and Hiring Requirements: a. Third-Party recordings are prohibited unless authorized by Wells Fargo. b. Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process. Wells Fargo & Company (NYSE: WFC) is a leading financial services company that has approximately $1.9 trillion in assets. We provide a diversified set of banking, investment and mortgage products and services, as well as consumer and commercial finance, through our four reportable operating segments: Consumer Banking and Lending, Commercial Banking, Corporate and Investment Banking, and Wealth & Investment Management. Wells Fargo ranked No. 34 on Fortune’s 2024 rankings of America’s largest corporations. In the communities we serve, the company focuses its social impact on building a sustainable, inclusive future for all by supporting housing affordability, small business growth, financial health, and a low-carbon economy. News, insights, and perspectives from Wells Fargo are also available at Wells Fargo Stories. Additional information may be found at www.wellsfargo.com LinkedIn: https://www.linkedin.com/company/wellsfargo For questions on how to search and apply, visit our frequently asked questions.

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Responsibilities

The associate will participate in credit research and investigation of clients, review basic issues, and evaluate the financial performance of borrowers to determine appropriate risk ratings. Responsibilities also include analyzing historical cash flows, evaluating leases, reviewing loan documents, and performing real estate market research.